I think we can all agree that Paypal is an 'EVIL' company out to get your money and provide virtually no protection. That being said, we, as merchant have very little choice as to NOT offer Paypal as a method of accepting payment is to shut out a large number of customers, or at least deter them due to buyers preference to use Paypal.

Also, I can only imagine you must pay 15.5% because of your own poor setup of withdrawing money.

As a user of Paypal myself, I truly limit my cost to their 3.9% + minimum fee as I withdraw to my own bank account, which are free!

FYI, I am not a US citizen/resident so it is not for this reason I can limit my costs. Bank withdrawals are free to most developed countries.

Therefore, using Paypal is no more expensive than using any other gateway in terms of transaction fees. So the only issue is that they are a crap company who care not for your losses and take every opportunity they can to squeeze as much profit out of your account as possible.

There are some gateways that protect you from charge backs but they are much less used than Paypal, and can often cost more as a percentage of your transaction.

Personally, I am biased towards a new payment gateway (I've already made 2 posts about it on this forum, so I'm not going to mention their name here, in case someone thinks I'm trying to advertise them ) and really hope it becomes a true alternative to Paypal. I really LOATH paypal but at the same time, need their users to continue doing business successfully.